Better than Free Checking
Get a $300 bonus when you open a Cash Back or High Yield Checking account with us!
Use promo code NEIGHBOR
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| Eligible for new Neighborhood Credit Union members who open a Cash Back or High Yield Checking account. |
| Must have a direct deposit of at least $3,000 within 90 days. |
| Must complete 30 or more debit card transactions of at least $5 within 90 days. |
| Must use promo code NEIGHBOR when opening your account. |
| Explore our free checking accounts(Opens in a new Window) and more(Opens in a new Window). |
Mobile Wallet
Use your Neighborhood CU debit and credit cards to pay digitally on your devices with Apple Pay, Samsung Pay, Google Pay, and more.
Upgrade to My Rewards® Premium Debit Cards
Join our exclusive members-only MyPoints Rewards program! Earn up to 3x more points every time you swipe your My Rewards® Gold or Platinum Debit Cards. Get rewarded for everyday purchases and accumulate points redeemable for prizes, trips, and gift cards!♦
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It's a fast, secure, and straightforward method to send and request money. Whether you're splitting bills with friends or reimbursing family for shared expenses, Zelle offers a convenient solution so you can skip the hassle of visiting an ATM or dealing with cash.
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Get paid up to 2 days early.**
Depending on your employer, you can get your direct deposit up to 2 days earlier than payday with a Neighborhood Credit Union checking account.
**Neighborhood CU may give early access to direct deposit funds from your employer, payments and credits into your account, or government deposits and payments depending on when the deposit or payment file is submitted to Neighborhood CU. Weekends or bank holidays may affect the posting date. As a result, the availability or timing of early direct deposit may vary from pay period to pay period. Fraud prevention restrictions may apply and delay early availability of funds. Early availability is not guaranteed. Additional restrictions may apply.
All Neighborhood Credit Union checking accounts feature:
Calculate your High Yield Checking Interest Rewards
What is your average checking account balance?
What funds from other accounts could you add to earn more money?
How many times a month do you use another bank's ATM?
Our calculator is for informational purposes only and does not intend to provide financial advice. All examples are hypothetical and assumes that qualifications are met for the High Yield Checking product to illustrate the benefits of the 4.00% annual percentage rate and ATM refunds. This calculator is not intended to offer any tax, legal, financial or investment advice and does not assure the availability of or your eligibility for any specific product offered by Neighborhood Credit Union, its affiliates or any other institution, nor does this calculator predict or guarantee the actual results of any investment product. You may wish to consult an appropriate outside advisor about your financial situation.
Estimated Annual Rewards
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Estimated Monthly Rewards
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Estimated ATM Fees Refunded
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This is an estimate based on the information you provide and we do not guarantee the accuracy of these results. For informational purposes only. Actual terms will vary. This calculator is not intended to provide legal, investment, or financial advice or to indicate the availability or suitability of any Neighborhood Credit Union product or service to your unique circumstances.
Surcharge-Free ATMs
The MoneyPass and Allpoint ATM Networks allows our members the ability to withdraw cash at over 90,000 ATMs nationwide without a surcharge fee.
Courtesy Pay
Protect your checking account with overdraft protection! Opt-in for the Courtesy Pay privilege for ATM and debit transactions.
GreenPath Financial Wellness
With free access to money management and financial education services, GreenPath is a non-profit that partners with you to achieve your financial goals.
Send Money with Zelle®
Zelle is a fast, safe and easy way to send and request money. Funds are sent directly to an account, and all you need is the recipient's email or U.S. cell number.
Refer Friends For Rewards
Whenever you refer friends who do not have a membership with us, you'll both be rewarded when they open a new checking account.
Mobile Wallet
Use your Neighborhood CU debit and credit cards to pay digitally on your devices with Apple Pay, Samsung Pay, Google Pay, and more.
Explore Neighborhood Credit Union Products
From banking to borrowing, we have everything you need.
Explore Accounts
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| Account Type | Summary | Get Started |
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| Online Checking accounts |
Choose free checking with high yield interest or cash back, identity protection and shopping rewards, or get a second chance at banking with our Fresh Start Checking account.
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| online Savings accounts |
Prize savings, high yield savings, CDs, Christmas Club, and more. We even have an account for the kids.
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| Certificates of Deposit |
CDs with multiple rates and term length available so that you find the perfect one to fit your investment needs.
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| Vehicle Loans |
Consistently offering some of the lowest rates available for new, used, or refinancing in the DFW Metroplex.
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Apply Now |
| Personal Loans |
Consolidate bills, take a vacation, finance repairs, or put cash in your pocket.
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Apply now |
| Credit Cards |
No annual fees, no balance transfer fee, and a low rate.
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Apply Now |
| Home Loans |
Home Equity, Home Improvement, Mortgage and refinancing loans with competitive rates.
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Learn more |
| Insurance |
Everything from Dent Guard to Life Insurance.
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Learn more |
1Checking accounts subject to approval. High Yield Checking minimum opening deposit is $100, all other checking accounts have a minimum opening deposit of $25. Neighborhood CU checking accounts details at myncu.com/bank/checking. Additional terms and fees may apply. See fee schedule for details. Products, features and benefits offered with accounts are subject to change at any time. Limit one High Yield Checking account per household. High Yield Checking, when qualifications are met, has an Annual Percentage Yield of 4.00% on balances up to $50,000, balances over $50,000 earn 0.10% APY on portion of balance over $50,000, resulting in 4.00% to 1.40% APY depending on the balance. If qualifications are not met, all balances earn 0.10% APY. The rate may change after account opening. APY is accurate as of 08/29/2023. Free account pertains to no monthly account service fee. Other fees may apply. Fees may reduce earnings. To qualify for the $300 checking bonus: Must be 18 years of age or older. You must meet the membership requirements, including purchase and maintenance of the minimum required share(s) (“membership share”) of $25 as set forth in the Credit Union’s bylaws. You authorize us to check your account, credit and employment history, and obtain reports from third parties, including credit reporting agencies, to verify your eligibility for the accounts and services you request. You must be a new Neighborhood CU consumer checking customer who has not had a Neighborhood CU consumer checking account open within the last 6 months. Promo code NEIGHBOR must be used at application input to be eligible for this bonus. Eligible accounts include Neighborhood CU’s High Yield Checking and Cash Back Checking. Within 90 days of account opening, must have one (1) electronic Direct Deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government for a total of $3,000 post to the new checking account and 30 or more debit card transactions of $5 or greater. Offer cannot be combined with other offers. We reserve the right to deduct the bonus amount if the account is closed within 12 months of opening. Account must be open and in good standing with a balance greater than or equal to $25.00 at the time of payment in order to receive the new account bonus. Neighborhood CU may report the value of the bonus to the IRS as required by law. Any person(s) whose tax status would require Neighborhood CU to impose tax withholding of any sort will not be eligible for this bonus. Bonus will be deposited into member's savings account within 120 days if all criteria met. New checking accounts must be funded within 30 days of account opening. $300 bonus cannot be used to fund the account. Qualifying electronic Direct Deposits do not include payments received into your account from payment apps such as Paypal, Venmo and other similar payment service providers.